Hardly hatchet. Your point was that AL was a better scheme than BA. But everything you list as problems if one were to apply for the BA scheme would also be problems if one were to apply for the AL scheme. Indeed it is you who is missing the point; that there's far more to it than money. If anything, FullTanks exemplifies that. If you can't afford to leave your current career; take on debt; study for a couple of years away from family commitments etc, then you can't afford to become a pilot. That has nothing whatsoever to do with one scheme being better than another. Nobody with any sense is suggesting that it'll all be easy and you'll walk into a career earning top money without it affecting your current life greatly. That would be naive in the extreme. But those who want this enough to go out and get it know that already, and a whole lot more. They are driven - not by a desire for money - but by their passion for flying. So for many (myself included) in today's aviation industry, these schemes don't make it easy to become a pilot - but they do make it possible.
And if anyone thinks that dissuading others from applying will improve their own chances they are gravely mistaken. Serious contenders (those who have a realistic chance of making it) have already decided to apply. You might shorten the numbers ever so marginally, but you won't modify the numbers who make up the business end of the applicants.